Ranked #21 of 51 by Cost
2026 Mississippi Car Insurance Calculator
Estimate your monthly premium based on The Magnolia State averages
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Local insurance tip
Mississippi has one of the highest uninsured driver rates in the nation (consistently estimated above 25%). Uninsured Motorist coverage is not required but is arguably the single most important optional coverage a Mississippi driver can carry.
Cost Breakdown
| Coverage | Monthly | Description |
|---|---|---|
| MS minimum | $102 | Legal bare minimum (liability only) |
| Standard liability | $163 | High Liability, no physical damage |
| Full coverage | $217 | Comprehensive ($500 ded.) |
| Premium protection | $295 | Max liability ($250 ded.) |
| Age | Risk | Monthly |
|---|---|---|
| 16-19 | Very high | $640 |
| 20-24 | High | $358 |
| 25-54 | Standard | $217 |
| 55-69 | Low | $206 |
| 70+ | Moderate | $271 |
| Violation | Risk | Monthly |
|---|---|---|
| Clean | Standard | $217 |
| Speeding Ticket | Moderate | $265 |
| At-Fault Accident | High | $321 |
| DUI / DWI | Very high | $618 |
Mississippi Snapshot · July 2026
$217/mo
State avg (-11% US AVG)
#21
National Rank
52%
County Spread
Rate by Neighboring States (5)
State Insight
Mississippi sits in the middle of its neighbors. Louisiana is dramatically more expensive despite sharing a border, its litigation environment creates costs that Mississippi's simpler tort system avoids entirely. Alabama and Tennessee are both cheaper. Arkansas is nearly identical to Mississippi in overall cost.
Rate by Cities (Top 20)
Compared to MS avg ($217)
City Insight
Jackson leads Mississippi in premiums. Driven by a high uninsured driver rate, elevated vehicle theft in Hinds County and infrastructure conditions that contribute to higher-than-average accident frequency along I-20 and I-55.
Rate by Counties (82)
Compared to MS avg ($217)
County Insight
Claiborne and Jefferson counties lead the state despite their small populations, reflecting high uninsured driver concentrations and economic conditions that correlate with elevated claim frequency.
What Every Mississippi Driver Needs To Know
What are the minimum car insurance requirements in MS for 2026?
Mississippi requires 25/50/25 minimums: $25,000 bodily injury per person, $50,000 per accident and $25,000 for property damage. Mississippi is an at-fault state with no requirement for PIP or Uninsured Motorist coverage.
Does Mississippi have the highest uninsured driver rate in the country?
Yes, Mississippi consistently ranks first or second nationally for uninsured drivers, with estimates above 25% of all drivers carrying no insurance. This means roughly one in four drivers you share the road with may have no coverage. Without Uninsured Motorist coverage on your own policy, you bear full responsibility for your losses if one of them hits you.
Is Mississippi an at-fault or no-fault state?
Mississippi is a pure at-fault state. The driver who causes the accident is responsible for all resulting damages. Mississippi also applies pure comparative fault — meaning your recovery is reduced by your percentage of fault, but unlike Alabama you are not completely barred from recovering even if you were mostly at fault.
What are the penalties for driving uninsured in Mississippi?
Driving without insurance in Mississippi is a misdemeanor. Penalties include fines of $100–$1,000, possible jail time and license suspension. A first offense typically results in a fine and a requirement to show proof of insurance to the court. Mississippi has an electronic insurance verification system and officers can check coverage status in real time during traffic stops.
Sources: Mississippi DPS